17
awards in just two monthly draws of our investor group
Group purchase plans with strategy
You already pay bills every month. The question is whether they build your future or drain it.
My work is about turning monthly payments into wealth, peace of mind and financial freedom. Either through leverage, using a group purchase plan (consórcio) to access far more credit than you put in, and much sooner than you could on your own, or by buying what you need on a planned path, without paying interest.
- No interestonly an admin fee
- No down paymentyou start with the monthly payment
- Built-in bidcomes out of the credit, not your pocket
Credit letter
$54,000
Monthly paymentfrom $142
Interestzero
Down paymentnot required
Illustrative example. Actual terms are presented during the consultation, based on the group and the administrator you choose.
Who builds your strategy
Janaina Belarmino, Specialist in Group Purchase Plans and Acquisition and Investment Strategies
Most people don't lose money because they earn too little. They lose it paying interest for life on something they could have bought without any.
Who it's for
Do you know every way a group plan can make you money?
Each goal calls for a different strategy. Pick yours.
What are the ways to buy a home today?
Bank loan
It's the best-known path, and also the most expensive. It requires a down payment that usually runs 20% to 30% of the home's price and leaves a balance full of interest, with high payments that are out of reach for most families. And in today's economy, bank credit is getting harder and harder to get approved.
Planned group purchase plan
Interest-free credit, with just an admin fee. No down payment, a bid that can come out of the credit itself, and an award strategy built so you can get what you want without draining your savings.
What your credit can cover
- A home or a car
- A car upgrade
- Leaving the rental: you stop paying someone else's mortgage
- Swapping property and renovations
- Raising capital
- A plan for your child: wealth that starts early
- Renewing or growing your fleet
Pay small installments and reach a large amount of credit much sooner
We run exclusive groups for investors and proprietary strategies, such as the 50% reduced payment, designed to boost the client's return. You pay small installments and, once you access the credit, you have several ways to turn it into financial results.
Leverage is a leap in time: reaching capital that, saving alone, would take years to build, would demand constant discipline, couldn't survive a single surprise and would still lose to inflation.
- Financial leverage. Get awarded, then sell. We handle the entire sale of the credit letter and you receive the profit by bank transfer, with a margin well above traditional investments. This strategy can be combined with fixed income: the profit is invested and the cycle starts again. Imagine taking the same monthly amount you'd put into fixed income and multiplying your result.
- Property leverage. With the credit, you buy a property that pays for itself. Rent covers the installments, and what you no longer pay funds the next credit letter. Over time you build a portfolio of properties and also gain from appreciation.
- Real estate retirement. A paid-off plan: an asset of your own, free of installments, that starts generating income.
- Exponential pension. The yearly adjustment on the full credit working for you. By law, after you are awarded, any credit you haven't used stays invested, earning on the full amount until the group ends.
Financial leverage in 30 months
$5,000invested in installments
$17,800received from selling the credit letter
$12,800in profit: 2.5 times the amount invested
Simulation with $60,000 in credit, a starting payment of $158 and an award through loyalty bid in month 30. Results vary by group and market.
Picture getting a property after paying only 17% of its value
$13,200came out of pocket
$76,400in credit, already adjusted
17%of the credit came from your pocket
Illustrative 5-year scenario.
Do you have a loan running right now?
I review your contract and show you how much of your money is going to the bank and what the way out looks like. The idea is to swap expensive debt for cheap debt.
A real case: A client was paying $1,000 a month with 34 years of loan still ahead. With the paying-off-the-lender strategy, once she is awarded, the administrator pays off the bank directly and the property becomes collateral for the group plan. Until then, her payment is cut in half.
And that freed-up cash becomes the starting point for the next property.
I want a review of my loanA real case
$443monthly payment after the award, instead of $1,000
$557saved every month
14 yearsless debt
Projected scenario with an award in 3 years.
Saving on your own
What if I save the money myself?
Saving alone feels safe, but it's the slowest and most fragile path.
In a group plan, the monthly payment is a commitment that works in your favor. And with the right bid strategy, you reach the credit far sooner than you would by saving on your own.
Built-in financial discipline
Someone who takes a step every month gets further than someone waiting for the perfect moment to start. The plan protects you from yourself.
Award strategy
Luck is just one of the possibilities
Contrary to what many people think, getting awarded your credit doesn't depend on luck alone. The plan offers several routes, which is why having a professional who masters all of them makes all the difference. I combine the lottery draw and probability into an award plan built for your goal, prioritizing the bid that comes out of the credit itself, not out of your pocket.
My biggest edge
Loyalty Bid
The strategy few people know about.
- It works like a draw inside a smaller group.
- Only members who are up to date can take part.
- The more missed payments in the group, the less competition you face.
It's a plan mapped through probability, all the way to your award.
Built-in Bid
A resource that comes out of the credit itself, with no cash outlay and no draining of your savings.
Fixed Bid
A draw among members who offer the fixed amount set by the administrator, a much smaller pool than the whole group.
Open Bid
You offer whatever percentage you choose and compete with the other offers of the month. It enters the strategy only when it makes sense for your goal.
The right group
The wrong group delays everything. The choice takes into account the group's award history and the profile of your goal.
Results in practice
3 shares
awarded in just two monthly draws for the same client
How it works
From first contact to your goal achieved
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1
Diagnostic conversation
Online, I learn your goal, your current situation and the best path for you.
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2
Tailored setup
A strategy designed for your case, with the credit and the award plan that make sense for you.
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3
Joining the right group
Everything formalized in a contract, with the legal security of an administrator regulated by the Central Bank of Brazil.
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4
Guidance until the end
You have my support from start to finish, until your goal is complete. You are never left alone with the contract in your hands.
About me
Hi, I'm Janaina
I work with group purchase plans because I believe in them as a smart financial tool. They let you get what you want without interest, with affordable payments and without draining your savings on a down payment. And they go further: they let you invest in your future and build your financial freedom.
Over time I realized that the biggest competitor of the group plan is misinformation. People who sign up at the bank counter, with no strategy and no one explaining, tend to walk away thinking the product is bad. What was bad was the way it was sold.
That's why my work is to bring knowledge to people and make a real difference in each client's life. The sale is a consequence. For me, selling is serving.
And above all, I live so that the world sees: no one but Jesus.
Talk to JanainaFrequently asked questions
What everyone asks me before signing
Does a group plan charge interest?
No. It's collective self-financing: a group of people comes together to build the credit. You pay an admin fee and a reserve fund, spread across the term. That's why the total cost is far lower than a bank loan.
How long until I'm awarded?
You compete in the draw from the very first monthly meeting, and the bid options improve your chances. There is no guaranteed date. There is a plan based on probability, which is what I build with you.
What is a built-in bid?
It means using part of the credit itself as your bid, without taking money out of your pocket. The available credit shrinks by the same amount, and that is already counted in the simulation.
I have a loan. Is it worth switching to a group plan?
It depends on your contract: how much has been paid, the balance and the interest. I review it with you and tell you honestly whether it's worth it.
Isn't the yearly adjustment a problem?
The payment is adjusted, but so is the credit. In other words, your buying power keeps pace with the price of what you want to buy.
How much does it cost to talk to you?
Nothing. The consultation is online and free, and you leave knowing the best path for your goal.
Tell me your goal. I'll show you the strategy.
Tell me what you want to achieve and where you are today. In our conversation, I present the path designed for your situation, clearly and to the point.